Both plans cover the same medical services, use Kaiser providers for in-network care, and cover in-network preventive care at 100%. They offer the same health care management programs and resources. And you can earn wellness incentives with both the Kaiser HMO and Kaiser POS.

There are two major differences between the plans:

The providers you can use. With the Kaiser POS Plan, you can choose to use out-of-network providers, but you'll receive greater cost savings when you stay in-network. With the Kaiser HMO Plan, only Kaiser providers are covered.

Your deductibles and out-of-pocket maximums. With the Kaiser POS Plan, you’ll pay a deductible if you choose out-of-network providers. The Kaiser HMO Plan has a higher out-of-pocket maximum.